Common use of Use of the Services Clause in Contracts

Use of the Services. You authorize the Credit Union to remotely deposit paper checks to your account(s) with us (the "Account") by electronically transmitting a digital image of the paper checks to us for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement and Disclosure. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insight. Upon receipt of the digital image, the Credit Union will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies you of receipt of the image via the Deposit History feature. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is responsible for any information you transmit to us. The Credit Union is not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using the RDCS is a provisional credit and you agree to indemnify the Credit Union against any loss we suffer because of our acceptance of the remotely deposited check. In addition, you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCS, (ii) copy or reproduce all or any part of the technology or RDCS; or (iii) interfere, or attempt to interfere, with the technology or RDCS.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks check(s) to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Disclosure and Agreement and Disclosure. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insight. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies you of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Compliance with Law I agree to use the Service for lawful purposes and in compliance with laws, statutes, regulations and ordinances pertaining to the services, all laws relating to the banking transactions contemplated hereunder. I warrant that I will only transmit acceptable items for deposit and have the original items in accordance with applicable laws, rules, and regulations. I promise to indemnify and hold the Bank harmless for any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of the Account and this Agreement.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the “System Requirements”. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth at Exhibit “A,” which is attached hereto and incorporated by our RDCS provider, Digital Insightthis reference. Upon receipt of the digital image, the Credit Union will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featurefeature within Deposit Anywhere. You I understand that, in the event you receive a that notification from us you confirming receipt of an image, such notification image does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible liable for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSServices, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSServices. Guarantee Specific to Deposits Received for Credit to a Consumer or Business Account: My use of the Services for the purpose of depositing to a Consumer or Business Account constitutes my understanding and agreement that I am personally liable for any expenses BCU incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by myself and/or by my Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees, as well as any and all costs associated with BCU enforcing this Guarantee. This Guarantee shall benefit BCU and its successors and assigns. Compliance with Law, Rules and Regulations. I agree to comply with all existing and future operating procedures used by BCU for processing of transactions and any and all actions related to the Services. I further agree to comply with, and unless otherwise described herein with regard to Reg. CC, be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts and ACH transactions, including, but not limited to, all rules and procedural guidelines established by the Federal Trade Commission (“FTC”), the Board of Governors of the Federal Reserve, and any other clearinghouse or other organization in which BCU is a member or to which rules BCU has agreed to be bound. The Rules are incorporated herein by reference. These procedures, rules, and regulations (collectively the “Rules”) and laws are incorporated herein by reference. In the event of conflict between the terms of this Agreement and the Rules, the Rules will control. I also agree that I will not engage in any activity directly or indirectly related to the use of the Services that is illegal or fraudulent.

Use of the Services. You authorize Following receipt of our notification approving your use of the Credit Union Services, you are authorized, by us to remotely deposit paper checks you receive to your account(s) account with us (the "“Account"”) by electronically transmitting a digital image of the paper checks to us for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the “System Requirements” section of this agreement. Upon receipt of the digital image, the Credit Union we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies we notify you of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is we are responsible for any information you transmit to us. The Credit Union is We are not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union we may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using the RDCS Services is a provisional credit and you agree to indemnify the Credit Union us against any loss we suffer because of our acceptance of the remotely deposited check. In addition, addition you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble disassemble, or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the System Requirements page found at xxxxx://xxx.xxxxx.xxx/business-mobile-deposit.htm. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses ATFCU incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with ATFCU enforcing this Guarantee. This Guarantee shall benefit the ATFCU and its successors and assigns. Compliance with Law. I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Use of the Services. You authorize Following receipt of FNCU notification approving your use of the Credit Union Services, you are authorized by FNCU to remotely deposit paper checks you receive to your account(s) account with us FNCU (the "“Account"”) by electronically transmitting a digital image of the paper checks to us FNCU for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and Disclosure. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightAgreement. Upon receipt of the digital image, the Credit Union FNCU will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union FNCU notifies you of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union FNCU is responsible for any information you transmit to us. The Credit Union FNCU is not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union FNCU may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve FNCU reserves the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using the RDCS Services is a provisional credit and you agree to indemnify the Credit Union FNCU against any loss we suffer FNCU suffers because of our acceptance of the remotely deposited check. In addition, addition you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of ECU’s notification approving my use of the Credit Union Services, I am authorized by ECU to remotely deposit paper checks I receive to your account(s) my account with us ECU (the "“Account"”) by electronically transmitting a digital image of the paper checks to us ECU for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightfor using Online Deposits. Please refer to the Online Deposits Help page for more information on the hardware and software requirements. Upon receipt of the digital image, the Credit Union ECU will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union ECU notifies you me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us ECU confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union ECU is responsible for any information you transmit to usI transmit. The Credit Union ECU is not responsible for any image that we do it does not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union ECU may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve ECU reserves the right, within our its sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union ECU against any loss we suffer it suffers because of our its acceptance of the remotely deposited check. In addition, you I agree that you I will not (i) i. modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCS, (ii) copy or reproduce all or any part of the technology or RDCS; or (iii) interfere, or attempt to interfere, with the technology or RDCS.Service

Use of the Services. You authorize Following receipt of ECU’s notification approving my use of the Credit Union Services, I am authorized by ECU to remotely deposit paper checks I receive to your account(s) my account with us ECU (the "“Account"”) by electronically transmitting a digital image of the paper checks to us ECU for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightfor using Online Deposits. Please refer to the Online Deposits Help page for more information on the hardware and software requirements. Upon receipt of the digital image, the Credit Union ECU will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union ECU notifies you me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us ECU confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union ECU is responsible for any information you transmit to usI transmit. The Credit Union ECU is not responsible for any image that we do it does not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union ECU may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve ECU reserves the right, within our its sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union ECU against any loss we suffer it suffers because of our its acceptance of the remotely deposited checkdepositedcheck. In addition, you I agree that you I will not (i) i. modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCS, (ii) copy or reproduce all or any part of the technology or RDCS; or (iii) interfere, or attempt to interfere, with the technology or RDCS.Service

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the following hardware and software requirements set forth by our RDCS providerrequirement. My use of the Services requires a fully updated, Digital Insightsecure, and functioning electronic device with a camera capable of taking clear pictures. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. G uarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses (Financial Institution) incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with (Financial Institution) enforcing this Guarantee. This Guarantee shall benefit the (Financial Institution) and its successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the System Requirements below. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is I acknowledge that you are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Indemnification. Notwithstanding anything to the contrary, we I agree that you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union against defend, indemnify, and hold you harmless any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; an/or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the eDeposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "Account") by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightDeere Employees Credit Union. Upon (Deere Employees Credit Union iOS and Android Application version 2.3 or higher and/or a XXXXX compliant scanner for desktop use. Desktop use not available at this time).Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Deere Employees Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney's fees as applicable, as well as any and all costs associated with Deere Employees Credit Union enforcing this Guarantee. This Guarantee shall benefit the Credit Union and its successors and assigns. Compliance with Law. I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys' fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Use of the Services. Following your acceptance of this agreement, we are authorized by you to accept remotely deposited paper checks through our Mobile Deposit application. You authorize the Credit Union to can remotely deposit paper checks you receive to your account(s) account with us (the "Account") by electronically transmitting a digital image of the paper checks to us for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightthe Credit Union. Upon receipt of the digital image, the Credit Union we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies we notify you of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You understand that, that in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or errors. You understand that the Credit Union is you are responsible for any information you transmit to us. The Credit Union is We are not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union we may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using the RDCS Services is a provisional credit and you agree to indemnify the Credit Union us against any loss we suffer because of our acceptance of the remotely deposited check. In addition, addition you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSServices, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSServices. Guarantee Specific to Deposits Received for Credit to a Business Account Your use of the Services for the purpose of depositing to a Business Account constitutes your understanding and agreement that you may be personally liable for any expenses the Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non- payment, collection costs and attorney's fees as applicable, as well as any and all costs associated with the Credit Union enforcing this Guarantee. This Guarantee shall benefit the Credit Union and its successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my checking account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for depositdeposit via the Credit Union’s Mobile Deposit application. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin Exhibit “A”. Upon receipt of receiptof the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors error or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In additionI understand I must, you and hereby agree to, at my sole cost and expense, use hardware and software that meets all technical requirements for the proper delivery of Mobile Deposit and that fulfills my obligation to obtain, and maintain, secure access to the Internet. I understand and agree I may also incur, and shall pay, any and all expenses related to the use of Mobile Deposit, including, but not limited to, telephone service or Internet service charges. I am solely responsible for the payment of any and all costs and expenses associated with meeting and maintaining all technical requirements and additional items necessary for the proper use of Mobile Deposit. I understand and agree that you I am solely responsible for the operation, maintenance and updating of all equipment, software and services used in connection with Mobile Deposit and the cost thereof, and I hereby agree that I will perform, or cause to be performed, all vendor recommended maintenance, repairs, upgrades and replacements. In addition I agree that I will not (i1) modify, change, change alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii2) copy or reproduce all or any part of the technology or RDCSServices; or (iii3) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the SnapDeposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightWescom Credit Union. (Wescom Credit Union iOS and Android Application version 2.3 or higher and/or a XXXXX compliant scanner for desktop use. Desktop use not available at this time.) Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Wescom Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Wescom Credit Union enforcing this Guarantee. This Guarantee shall benefit the Wescom Credit Union and its successors and assigns.

Use of the Services. You authorize Following receipt of our notification approving your use of the Credit Union Services, you are authorized by Hiway to remotely deposit paper checks you receive to your account(s) account with us Hiway (the "Account") by electronically transmitting a digital image of the paper checks to us for deposit. Your use of the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You agree to comply with the hardware and software requirements set forth in the System Requirements which are incorporated by our RDCS provider, Digital Insightthis reference. Upon receipt of the digital image, the Credit Union we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies we notify you of receipt of the image via the Deposit History featureonscreen messaging and/or e-mail notification. You understand that, in the event you receive a notification from us Hiway confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union Hiway is responsible for any information you transmit to us. The Credit Union Hiway is not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union we may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your the Account. You understand that any amount credited to your the Account for items deposited using the RDCS Services is a provisional credit and you agree to indemnify the Credit Union Hiway against any loss we suffer because of our acceptance of the remotely deposited check. In addition, you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSServices, (ii) copy or reproduce all or any part of the technology or RDCS; Services or (iii) interfere, or attempt to interfere, with the technology or RDCSServices. GUARANTEE SPECIFIC TO DEPOSITS RECEIVED FOR CREDIT TO A BUSINESS ACCOUNT. Your use of the Services for the purpose of depositing to a Business Account constitutes your understanding and agreement that you may be personally liable for any expenses Hiway incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Hiway enforcing this Guarantee. This Guarantee shall benefit Hiway and our successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "Account") by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightat Exhibit "A". Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses you incur in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney's fees as applicable, as well as any and all costs associated with you enforcing this Guarantee. This Guarantee shall benefit you and its successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the “System Requirements”. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insight. in “System Requirements.” Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. System Requirements. I am responsible for maintaining supported devices that provide access to the Services. Those devices include but are not limited to mobile devices, computer systems, software, internal memory, and hardware that are compatible with the Services. I am also responsible for procuring my own mobile network operator or internet service provider. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize By providing the Credit Union link for the Mobile Deposit service on Online Banking, you have authorized me to remotely deposit paper checks to your account(sany of my accounts (the “Account”) with us (the "Account") you by electronically transmitting a digital image of the any paper checks to us for depositI receive from other parties. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightwith the indicated specifications: • Firefox 63+; • Safari 11+; • Chrome 70+; • High Speed Internet Connection; • Xxxxx compliant document scanner. (XXXXX is the interface between the computer imaging software and the scanner. More detailed information can be found in the Mobile Deposit online help screens.) Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You Your acceptance of my check(s) does not guarantee the check(s) will clear the payee's account. I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited checkimaged check deposits. In addition, you I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the System Requirements below. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is I acknowledge that you are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Indemnification. Notwithstanding anything to the contrary, we I agree that you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union against defend, indemnify, and hold you harmless any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or and/or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Compliance with Law: I agree to use the Service for lawful purposes and in compliance with all applicable laws, rules and regulations. I promise to defend, indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Disclosure and Agreement.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth at Exhibit “A,” which is attached hereto and incorporated by our RDCS provider, Digital Insightthis reference. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featurefeature within Deposit Anywhere. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible liable for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Consumer or Business Account: My use of the Services for the purpose of depositing to a Consumer or Business Account constitutes my understanding and agreement that I am personally liable for any expenses FNCU incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by myself and/or by my Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with FNCU enforcing this Guarantee. This Guarantee shall benefit the FNCU and its successors and assigns. Compliance with Law, Rules and Regulations. I agree to comply with all existing and future operating procedures used by FNCU for processing of transactions. I further agree to comply with, and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts and ACH transactions, including, but not limited to, all rules and procedural guidelines established by the Federal Trade Commission (“FTC”), the Board of Governors of the Federal Reserve, and any other clearinghouse or other organization in which FNCU is a member or to which rules FNCU has agreed to be bound. The Rules are incorporated herein by reference. These procedures, rules, and regulations (collectively the “Rules”) and laws are incorporated herein by reference. In the event of conflict between the terms of this Agreement and the Rules, the Rules will control. I also agree that I will not engage in any activity directly or indirectly related to the use of the product or service that is illegal or fraudulent.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the Remote Deposit Capture application. I can remotely deposit checks I receive to your account(s) my account with us (the "Account") you by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightDFCU. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureemail notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses DFCU incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with DFCU enforcing this Guarantee. This Guarantee shall benefit DFCU and its successors and assigns. Compliance with Law. I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for depositdeposit via DeposZip. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth at Exhibit “A,” Section 2 which is attached hereto and incorporated by our RDCS provider, Digital Insightthis reference. Provisional Credit and Availability of Funds. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, image such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services (“DeposZip”) is a provisional credit credit. I and you ABE Federal Credit Union agree that funds availability for items, as images transmitted for deposit are not subject to the availability requirements of Reg CC. I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. Where we describe Service Providers as “vetted” or similar, we are promising only that we have carried out certain checks as specified on our Website at the time you make a Booking and that those checks did not reveal any cause for concern. You authorize acknowledge that in carrying out these checks we are reliant on information supplied by third parties. We cannot guarantee that that information is accurate. Nor can we guarantee that the Credit Union Service Providers are otherwise suitable for your purposes. You use Service Providers at your risk. Supply of Services: o Your order is an offer that is only accepted when we send you an email on behalf of one of your selected Service Providers confirming your order. o You agree to remotely deposit paper checks treat Service Providers courteously and lawfully. You agree to your account(s) provide a safe and appropriate working environment for Service Providers in compliance with us (the "Account") by electronically transmitting a digital image of the paper checks all applicable laws and regulations and that you will provide reasonable co-operation to Service Providers to enable them to supply Services. o You agree to communicate any complaints to us for deposit. Your use of and not the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement and DisclosureProvider. You agree to comply with the hardware our complaint and software requirements set forth by other policies on our RDCS provider, Digital InsightWebsite as may be varied from time to time. Upon receipt of the digital image, the Credit Union will review the image for acceptabilityo You acknowledge that your nominated Service Provider may be unavailable from time to time e.g. through illness or vacation or leaving our service. o You understand and agree that receipt during the period of an image does not occur until after the Credit Union notifies you of receipt of the image via the Deposit History feature. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is responsible for any information you transmit to us. The Credit Union is not responsible for any image that we do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your Account. You understand that any amount credited to your Account for items deposited using the RDCS is a provisional credit and you agree to indemnify the Credit Union against any loss we suffer because of our acceptance of the remotely deposited check. In addition, you agree that this agreement you will not (i) modify, change, alter, translate, create derivative works book any services from, reverse engineeror engage, disassemble or decompile the technology or RDCSany Service Provider outside of our Website. You agree not to engage any Service Provider for 6 months after termination of this agreement. o Placement Fee : Should you at any stage make an appointment with a Service Provider outside of booking said appointment via our platform, you will be liable to pay a placement fee reckoned at R1500 inclusive of VAT, this placement fee shall be payable within 7 (iiSeven) copy or reproduce all or any part working days of his/her appointment with you. No termination of the technology appointment or RDCS; or variation of its terms will entitle you to any repayment of the placement fee. This clause will survive the termination of this agreement, and will apply for 6 (iiisix) interfere, or attempt to interfere, with the technology or RDCSmonths after its termination.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the DeposZip Frequently Asked Questions. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and Disclosure. You agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightAgreement. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item items as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS is a Services are provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere), interfere or attempt to interfere, with the technology or RDCSService. Compliance with Law. I agree to use the Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the Mobile Check Deposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightFoothill Federal Credit Union. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Foothill Federal Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Foothill Federal Credit Union enforcing this Guarantee. This Guarantee shall benefit the Foothill Federal Credit Union and its successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the System Requirements section below. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin the System Requirements page found at xxxxx://xxx.xxxxxx.xxx/i-want-to/express-deposit. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "Account") by electronically transmitting a digital image of the paper checks check(s) to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightCornerstone CFCU as noted in Exhibit "A". Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following my acceptance of the Credit Union terms and conditions of this Disclosure and Agreement, I am authorized by you to remotely deposit paper checks to your account(s) I receive into my account with us you (the "“Account"”) by electronically transmitting a digital image of the my paper checks to us you for deposit. Your use of I understand that I must be an Altura Credit Union member for at least ninety (90) days and be a member in good standing to be eligible to enroll in the Services constitutes your acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement and DisclosureServices. You I agree to comply with the your hardware and software requirements set forth by our RDCS provideras well as use the most current version of mobile device software, Digital Insightand as amended from time to time. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via by notification through onscreen messaging or an email transmitted to the Deposit History featureemail address I have provided you. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union may you will process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your Accountmy Account and, in the event you reject an item for remote deposit, I understand and agree that I must deposit the original item in person, by mail, or at an ATM. You I understand and agree that even if you do not initially reject an item I deposit through the Services, you may return the substitute check you created because, among other reasons, the paying bank deems the electronic image illegible. Your failure to reject such an item shall not limit my liability to you. I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCS, (ii) copy or reproduce all or any part of the technology or RDCS; or (iii) interfere, or attempt to interfere, with the technology or RDCS.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the eDeposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "Account") by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightInfinity Credit Union. Upon (Infinity Credit Union iOS and Android Application version 2.3 or higher and/or a XXXXX compliant scanner for desktop use. Desktop use not available at this time).Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Infinity Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney's fees as applicable, as well as any and all costs associated with Infinity Credit Union enforcing this Guarantee. This Guarantee shall benefit the Credit Union and its successors and assigns. Compliance with Law. I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys' fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightin Exhibit “A” located at the end of this Disclosure and Agreement. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You understand and agree that receipt of an image does not occur until after the Credit Union notifies you of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative de- rivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCS.or

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the e-check Deposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS providerthe Credit Union. (First Source Federal Credit Union iOS Application version 3.0.953.1 or higher, Digital InsightAndroid Application version 3.0.964.001 or higher and/or a XXXXX compliant scanner for desktop use. If using a digital camera for desktop use, acceptable formats may include .gif, .png, or .jpg.) Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for depositdeposit via the Credit Union’s web based “CUonline” home banking module at xxxxxxxxxxxxx.xxx. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth at Exhibit “A,” which is attached hereto and incorporated by our RDCS provider, Digital Insightthis reference. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i1) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii2) copy or reproduce all or any part of the technology or RDCSService; or (iii3) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “Disclosure and Agreement. In order to use this service”) Agreement , I must obtain and Disclosuremaintain, at my expense, compatible hardware and software as specified by ACCESS FCU from time to time. You ACCESS FCU is not responsible for any third-party software I may need to use this service. Any such software is accepted by me and is subject to the terms and conditions of the software agreement I enter into directly with the third-party software provider at time of download and installation. I agree to comply with the these hardware and software requirements set forth by our RDCS provider, Digital Insightrequirements. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you agree The software provided by Financial Institution to Customer contains software provided by one or more third parties (“Third-Party Software”) under contract with Financial Institution (each a “Third-Party”). Restrictions: Customer agrees that you it will not itself, and will not permit any parent, subsidiary, affiliate, agent or other third-party to: (i) modifysell, changeprovide, alterdistribute, translatelease, create derivative works fromrent, reverse engineerlend, disassemble relicense, sublicense, or decompile display Third-Party Software or related documentation except as necessary to utilize the technology or RDCS, Software for mobile check deposits; (ii) copy decompile, disassemble, reverse engineer or reproduce all attempt to reconstruct the Third-Party Software, identify or discover any source code, trade secret, know-how, or ideas underlying user interface techniques or algorithms of Third-Party Software by any means whatsoever, or disclose any of the foregoing; (iii) create any derivative works or any part of the technology other software program based upon Third-Party Software or RDCSrelated documentation or modify Third- Party Software in any way; or (iiiiv) interfereuse Third-Party Software or documentation to develop or enhance any product that competes with Third-Party Software. Intellectual Property: Financial Institution or the Third-Parties, as the case may be, retain all rights, title and interests, including intellectual property rights, in and to the Third-Party Software and services, any improvements, translations, modifications or derivatives thereof, and any related documentation provided or made available to Customer, including all intellectual property rights therein. Customer acknowledges that the Third-Party Software and related documentation contain copyrighted material, trade secrets, and other material that is proprietary to one or more Third-Parties. Except as expressly stated herein, this Agreement does not grant Customer any intellectual property rights in the Third-Party Software, services, or attempt any related documentation or materials and all rights not expressly granted herein are reserved by Financial Institution and the Third-Parties. Customer agrees to interfereassign, and hereby does assign, to the Third- Party all rights, title and interest, including all intellectual property rights, in any ideas, modifications, enhancements, improvements, inventions, works of authorship or any other suggestions that Customer or any of its employees or agents propose, create, author or develop relating to that Third-Party’s Software or services, and will take all necessary action, including execution of relevant documents, to perfect such party’s ownership thereof. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses ACCESS Federal Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with ACCESS Federal Credit Union enforcing this Guarantee. This Guarantee shall benefit ACCESS Federal Credit Union and its successors and assigns. Compliance with Law: Customer represents, warrants, and covenants that it will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Third-Party Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation. Check Requirements: Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will endorse the back of the original check within 1 ½ inches from the top edge, although you may accept endorsements outside this space. My endorsement will include "For Deposit Only at ACCESS FCU Via Mobile Check Deposit." Any loss you incur from a delay or processing error resulting from an irregular endorsement or other markings by me will be my responsibility. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit: You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees due to an item being returned. Items Returned Unpaid: A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my account, in the event such item is dishonored, I authorize you to debit the amount of such item from the account. Email Address: I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items. Unavailability of Services: I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at 0 Xxxxxxxx Xxx, Xxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours: xxxxx://xxx.xxxxxxxxx.xxx/home/aboutus/locations Funds Availability: I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Clinton, NY. With regard to the availability of deposits made using the Services, such funds will be available as set forth at xxxxx://xxx.xxxxxxxxx.xxx/home/fiFiles/static/documents/Your%20Ability%20to%20With draw%20Funds.pdf Internal Controls and Audit: I understand and agree to adhere to the Internal Controls as described in this agreement and further detailed within this section. Furthermore, I agree to comply with the technology or RDCS.Audit requirements prescribed by the Financial Institution within this Agreement. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth in Exhibit “A”, Section 2, which is attached hereto and incorporated by our RDCS provider, Digital Insightthis reference. Provisional Credit and Availability of Funds. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services (“Mobile Deposit”) is a provisional credit credit. I and you Resource One Credit Union agree that funds availability for items, such as images transmitted for deposit are not subject to the availability requirements of Reg CC. I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService.

Use of the Services. You authorize the Credit Union Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the Access Deposit application. I can remotely deposit checks I receive to your account(s) my account with us you (the "“Account"”) by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital InsightXxxxxx First Federal Credit Union. (Xxxxxx First’s iOS and Android Application version 3.0 or higher.) Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History featureonscreen messaging and/or email notification. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or errors. I understand that the Credit Union is I am responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "“substitute check" ” or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCSService. Guarantee Specific to Deposits Received for Credit to a Business Account: My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Xxxxxx First Federal Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Xxxxxx First Federal Credit Union enforcing this Guarantee. This Guarantee shall benefit the Xxxxxx First Federal Credit Union and its successors and assigns.

Use of the Services. You authorize Following receipt of your notification approving my use of the Credit Union Services, I am authorized by you to remotely deposit paper checks I receive to your account(s) my account with us you (the "Account") by electronically transmitting a digital image of the paper checks to us you for deposit. Your My use of the Services constitutes your my acceptance of the terms and conditions of this Remote Deposit Capture Service (“RDCS” or “service”) Agreement Disclosure and DisclosureAgreement. You I agree to comply with the hardware and software requirements set forth by our RDCS provider, Digital Insightat Remote Deposit FAQ. Upon receipt of the digital image, the Credit Union you will review the image for acceptability. You I understand and agree that receipt of an image does not occur until after the Credit Union notifies you notify me of receipt of the image via the Deposit History feature. You I understand that, in the event you I receive a notification from us you confirming receipt of an image, such notification does not mean that the image contains no errors or that the Credit Union is you are responsible for any information you I transmit to usyou. The Credit Union is You are not responsible for any image that we you do not receive. You understand and agree that even if we do not initially reject an item you deposit through the RDCS, we may return the deposit because, among other reasons, the paying bank may deem the electronic image illegible. Following receipt of the image, the Credit Union you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, we you reserve the right, within our your sole and absolute discretion, to accept or reject any item for remote deposit into your my Account. You I understand that any amount credited to your my Account for items deposited using the RDCS Services is a provisional credit and you I agree to indemnify the Credit Union you against any loss we you suffer because of our your acceptance of the remotely deposited check. In addition, you addition I agree that you I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or RDCSService, (ii) copy or reproduce all or any part of the technology or RDCSService; or (iii) interfere, or attempt to interfere, with the technology or RDCS.or